You are scaring yourself and others if you think they can take your house off you in 28 days. Do some research on the small claims court process. You’ll get plenty of warning about any legal actionThey will need to get a county court judgment against you before they can attempt to legally recover the money and that needs the case to be decided in the county court.I have read your posts depressed dad. And to be fair it’s a horrendous situation you are in I can only offer my sympathy and luck that you all get through it ok.
I don’t yet know how much my personal injury claim and final details will come to, I’m prepared for thousands and thousands of pounds. My main worry was get the bill sent to me and have 28 days to pay, take my hone from me, my car etc etc. That’s not the case.
my policy was void after what I’ve done and the lady on the phone who to be fair was blunt but honest about it all.
The way they recoup the money needs other legal processes which could end up with a charge on your property if you are a home owner, or bailiffs turning up on your doorstep and probably them seeking evidence whether you can afford to pay or not.
if they start court proceedings you definitely need professional advice.